Have Questions About Employee Loans?
Frequently Asked Questions
Here, we answer the most common questions employers and employees have about our Employee Assistance Programme. If you can’t find your question, contact us directly and we’ll be happy to help.
Funds loaded into a digital wallet can be spent at all major retailers.
No. Employees without a bank account can still receive funds, paid directly into a digital wallet instead.
A small flat service fee applies per transaction. There is no interest, no subscription, and no hidden fees.
The employer does. Each employer sets their own monthly limit — up to a platform maximum of R2,000 — and their own payment cycle dates, according to their payroll and workforce needs.
As often as they have available earned wages, up to a monthly limit set by the employer, capped at a platform maximum of R2,000 per month.
Employees can apply by dialling [USSD CODE — TO CONFIRM], or by registering at [bradburyaym.co.za — URL TO CONFIRM]. USSD applications require at least 20c airtime; website and app applications require data.
Yes. Access Your Money is fully POPIA compliant and uses encryption and access controls that meet international data protection standards. Employee data is used only to process wage access requests.
Implementation is fast and requires minimal effort from employers. There are no long-term contracts, and Access Your Money integrates directly with existing payroll systems.
Yes. Access Your Money is payroll-agnostic and supports weekly, bi-weekly and monthly pay cycles, with custom rules — including withdrawal limits and deduction codes — for different employee groups.
No. Access Your Money fully finances every wage access request between paydays, so employers see no cash flow disruption. The amount is recovered automatically through the normal payroll deduction cycle.
No. Access Your Money is free for employers to offer. Every wage access request between paydays is fully financed upfront, so there is no cost, no cash flow impact, and no financial risk to the business.
No. Access Your Money is not a loan or a salary advance. Employees can only access money they have already earned in the current pay cycle — there is no borrowing, no interest, and no credit assessment.